Deposit Rates

Effective

and subject to change.
View a printable PDF.

Checking, Savings, Certificates and IRA Rates

Place your funds in a stable, secure account with SDCCU. Use a checking account for your everyday banking needs with a local credit union that understands your needs. Invest your funds in a great rate savings, money market, certificate or IRA certificate account and watch your money grow. See our rates below.

Great Rate Savings

Average Daily Balance To Earn APY	Dividend Rate	APY
$1,000,000 +	0.40%	0.40%
$500,000.00 - $999,999.99	0.30%	0.30%
$225,000.00 - $499,999.99	0.20%	0.20%
$100,000.00 - $224,999.99	0.20%	0.20%
$50,000.00 - $99,999.99	0.15%	0.15%
$25,000.00 - $49,999.99	0.15%	0.15%
$10,000.00 - $24,999.99	0.00%	0.00%
$5,000.00 - $9,999.99	0.00%	0.00%
$100.00 - $4,999.99	0.00%	0.00%

Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $100 in your SDCCU account to earn the annual percentage yield (APY) disclosed above.

Checking / Money Market / Savings

Account Type	Average Daily Balance To Earn APY	Dividend Rate	APY
High-Yield Checking	$500,000.00 +	0.07%	0.07%
	$225,000.00 - $499,999.99	0.07%	0.07%
	$100,000.00 - $224,999.99	0.05%	0.05%
	$50,000.00 - $99,999.99	0.05%	0.05%
	$25,000.00 - $49,999.99	0.05%	0.05%
	$10,000.00 - $24,999.99	0.05%	0.05%
	$5,000.00 - $9,999.99	0.05%	0.05%
	$100.00 - $4,999.99	0.05%	0.05%
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $25,000 in your SDCCU account to avoid a monthly fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a monthly fee for that month. You must maintain a minimum average daily balance of $100 in your SDCCU account to earn the APY disclosed above.
Money Market & IRA Money Market	$100,000.00 +	0.25%	0.25%
	$50,000.00 - $99,999.99	0.20%	0.20%
	$25,000.00 - $49,999.99	0.10%	0.10%
	$10,000.00 - $24,999.99	0.10%	0.10%
	$5,000.00 - $9,999.99	0.10%	0.10%
	$100.00 - $4,999.99	0.10%	0.10%
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $100 in your SDCCU account to earn the APY disclosed above.
Savings¹	$100.00 +	0.05%	0.05%
IRA Savings	$100.00 +	0.05%	0.05%
Minimum Balance Requirements: The minimum balance required to open this account is $1. You must maintain a minimum average daily balance of $1 in your SDCCU account to avoid a Primary savings account with less than $1 fee. You must maintain a minimum average daily balance of $100 in your account to earn the APY disclosed above.
Classic Checking	$1,500.00 +	0.03%	0.03%
Minimum Balance Requirements: The minimum balance required to open this account is $25. You must maintain an average minimum daily balance of $1,000, a combined average daily savings balance of $2,500 or have a direct deposit of $100 or more per pay period during the month to avoid a monthly fee. You must maintain a minimum average daily balance of $1,500 in your account to obtain the APY disclosed above.
FREE Checking with eStatements	$0.00 +	N/A	N/A
Minimum Balance Requirements: The minimum balance required to open this account is $25.

¹Limit one per Social Security Number.

All dividend rates and Annual Percentage Yields (APYs) published above are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. These products are not available for chartered financial institutions or business accounts. Fees incurred could reduce earnings on the account. Please see our separate Consumer Services Fee Schedule for current fees that may apply. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA. ¹Includes Primary and Special Savings accounts.

IRA & Certificates

Promotional Certificates²

Term (# of Months)	Minimum Deposit To Earn APY
	$2,000.00
	Dividend Rate	APY
13	4.28%	4.36%

Certificates

Term (# of Months)	Minimum Deposit Ranges To Earn APY
	$2,000.00 - $9,999.99		$10,000.00 - $89,999.99		$90,000.00 +
	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
60	1.74%	1.75%	1.74%	1.75%	1.98%	2.00%
48	1.79%	1.80%	1.79%	1.80%	1.83%	1.85%
36	1.88%	1.90%	1.88%	1.90%	1.93%	1.95%
24	1.88%	1.90%	1.88%	1.90%	1.93%	1.95%
18	2.28%	2.30%	2.57%	2.60%	2.72%	2.75%
12	3.45%	3.51%	3.45%	3.51%	3.45%	3.51%
6	1.59%	1.60%	2.96%	3.00%	3.20%	3.25%
3	0.20%	0.20%	0.25%	0.25%	0.30%	0.30%

IRA Certificates

Term (# of Months)	Minimum Deposit Ranges To Earn APY
	$2,000.00 - $9,999.99		$10,000.00 - $89,999.99		$90,000.00 +
	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
60	1.74%	1.75%	1.74%	1.75%	1.98%	2.00%
48	1.79%	1.80%	1.79%	1.80%	1.83%	1.85%
36	1.88%	1.90%	1.88%	1.90%	1.93%	1.95%
24	1.88%	1.90%	1.88%	1.90%	1.93%	1.95%
18	2.28%	2.30%	2.57%	2.60%	2.72%	2.75%
12	3.45%	3.51%	3.45%	3.51%	3.45%	3.51%
6	1.59%	1.60%	2.96%	3.00%	3.20%	3.25%
3	0.20%	0.20%	0.25%	0.25%	0.30%	0.30%

Open your account in 3 easy steps:

Click the Open an Account button below
Select $1 savings account, enter your information and submit the application.
Transfer your funds:
- Make a wire transfer: Simply provide your account number and the nine-digit routing number found on your check or deposit slip.
- Mail a check or money order to:
  San Diego County Credit Union
  Attn: Deposits, Payments or Payoffs
  P.O. Box 269040
  San Diego, CA 92196-9040

For more information, call (877) 732-2848.

OPEN AN ACCOUNT

_{²Upon maturity, these certificates will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. IRA and Business certificates not available online.

APY=Annual Percentage Yield. All dividend rates and Annual Percentage Yields (APYs) published above for certificates are the anticipated rates and yields for the current period. APYs assume that dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. Institutional deposits are limited to $2 million per chartered financial institution. Fees could reduce earnings. Consult your tax advisor. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA. For business savings rates, visit our Business Deposit Rates page.}

_{Early Withdrawal Penalties – A penalty will apply for principal withdrawals of a certificate made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members 73 and over, or as required by law. Refer to your certificate account disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.}

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